Hampden County and Westfield City property record for 20 Shepard St, Westfield, MA 01085
| Property Type | Duplex |
|---|---|
| Details | 4 bd · 2 ba · 2,594 sqft · built 1900 |
| Lot Size | 0.165 acres (7,194 sqft) |
| Owner | Individual Name on File |
| Last Sale | $222,300 (Sep 2020) |
| Tax Bill | $4,633 (2026) |
| Deeds & Mortgages | May 2026 Line of Credit Sep 2020 Sale & Mortgage |
| Flood Zone | Zone X (moderate risk) |
| APN | WFLD M:63 L:10 |
| Primary APN | WFLD M:63 L:10 |
|---|---|
| Alternative APN |
|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 2 Baths |
| Total Rooms | 10 Rooms |
| Units | 2 Units |
| Stories | 2 Stories |
| Building Area | 2,594 sqft Living Area |
| Gross Area | 5,534 sqft |
| 1st Floor Area | 1,725 sqft |
| Basement Area | 1,297 sqft |
| Unfinished Basement | 1,297 sqft |
| Year Built | Built 1900 |
|---|---|
| Effective Year Built | Effective 1900 |
| Architectural Style | Other |
| Exterior Material | Wood Siding |
| Construction Type | Brick |
| Roof Type | Gable |
| Roof Material | Slate |
| Lot Area | 7,194 sqft (0.165 acres) |
| Heating System | Forced Air with A/C |
|---|---|
| Heating Fuel | Gas |
| Street Address | 20 SHEPARD ST |
|---|---|
| City | WESTFIELD |
| State | MA |
| Zip | 01085-2340 |
| Property Category | Residential |
| Property Type | Residential > Multi-Unit > Duplex |
| Local Zoning Code | RB |
| Legal Lot Number | 10 |
| Jurisdiction | WESTFIELD MA |
| Township / Civil Division | WESTFIELD |
| Census Block Group | 2 |
| Census Block | 2007 |
| Census Tract | 812701 |
20 Shepard St, a duplex, is owned by an individual who bought it in September 2020.
Source: Hampden County and Westfield City records, as of October 20, 2026
| Owner of Record | Individual Name on File |
|---|---|
| Mailing Address | 130 YEOMAN AVE, WESTFIELD, MA 01085-1024 |
| Owner Type | Individual |
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Date | Document |
|---|---|
| May 20, 2026 | Deed of Trust, Mortgage · Line of Credit WESTFIELD BANK |
| Sep 2, 2020 | Quit Claim Deed, Transfer · Stand-Alone First Mortgage ACADEMY MORTGAGE CORP |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Sep 2, 2020 · Amount on File |
| Deed Sale | Sep 2, 2020 · Amount on File |
| Prior Sale | Mar 29, 2002 · Amount on File |
| Deed Document Number | 202049416 |
| Deed Book / Page | 23401 / 383 |
| Prior Transfer Date | Aug 26, 2020 |
| Prior Transfer Doc | 0000049416 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | WESTFIELD MA |
| Recording Date | May 20, 2026 |
| Property Address | 20 SHEPARD ST, WESTFIELD, MA 01085-2340 |
| Document Number | 026338-359 |
| Book / Page | 26338 / 359 |
| Instrument Date | May 15, 2026 |
| Instrument | 202622368 |
| Transaction Type | Mortgage |
| Record Updated | Jul 12, 2026 |
| Name | Verified Name |
|---|---|
| Address | 20 SHEPARD ST, WESTFIELD, MA 01085-2340 |
| Document Number | 0000022368, |
|---|---|
| Date | May 20, 2026 |
| Book Page | 26338/359 |
| Instrument | 202622368 |
| Name | WESTFIELD BANK |
|---|
| Type | Line of Credit |
|---|---|
| Amount | Amount on Record |
| Term | 301 Months |
| Due | Jun 1, 2051 |
| Rate | 6.3% |
|---|---|
| Max Rate | -1% |
| Document Type | Quit Claim Deed |
|---|---|
| Jurisdiction | WESTFIELD MA |
| Recording Date | Sep 2, 2020 |
| Property Address | 20 SHEPARD ST, WESTFIELD, MA 01085-2340 |
| Document Number | 23401-383 |
| Book / Page | 23401 / 383 |
| Instrument Date | Aug 26, 2020 |
| Instrument | 49416 |
| Transaction Type | Transfer |
| Record Updated | May 11, 2021 |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $0.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Joint Tenants |
| Address | 130 YEOMAN AVE, WESTFIELD, MA 01085-1024 |
| Document Number | 49417 |
|---|---|
| Date | Sep 2, 2020 |
| Instrument | 49417 |
| Name | ACADEMY MORTGAGE CORP |
|---|---|
| Type | Mortgage Company |
| Type | Stand-Alone First Mortgage |
|---|---|
| Amount | Amount on Record |
The 2026 property tax bill for 20 Shepard St was $4,633, up 3.3% from the year before.
Source: Hampden County and Westfield City assessment roll, as of April 14, 2026
| Type | Name |
|---|---|
| State | Massachusetts |
| County | Hampden County |
| Municipality | Westfield City |
| Unified School District | Westfield School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $4,633.00 (+3.28%) | $310,300 (+5.01%) Land $92,200 Building $218,100 | $332,820 |
| 2025 | $4,486.00 | $295,500 Land $96,400 Building $199,100 | |
| 2023 | $4,252.00 | $250,400 Land $83,500 Building $166,900 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 20 Shepard St in Zone X, an area of moderate flood risk.
Source: FEMA National Flood Hazard Layer, effective June 7, 2023 · OpenFEMA NFIP redacted claims and policies, as of September 2026
| FEMA Flood Zone | Zone X moderate risk |
|---|---|
| 500-Year Floodplain | Yes 0.2% annual chance |
| Flood Insurance Requirement | Not required lenders may require it |
| Nearby Flood Policies | 1 in force |
Values are read at the parcel center point; flood claims are located to the census block group, not this parcel; lenders make the official flood determination.
Wildfire risk around 20 Shepard St is low, with a 0.01% annual chance of wildfire.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Low lower than 80% of the US · above 57% of Massachusetts |
|---|---|
| Wildfire Likelihood | 0.01% annual chance |
| Exposure | Indirect within ember reach |
| Adjoins Burnable Land | Yes |
Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.
Source: EPA Safe Drinking Water Information System, as of September 2026
| Water System | WESTFIELD DPWWATER DIVISION serves 41,094 people · EPA ID MA1329000 |
|---|---|
| Water Source | Surface water |
| Last State Inspection | Jul 2025 |
| Lead | 3 ppb (2025) action level 15 ppb |
| Water Quality | None last 10 years |
|---|---|
| Treatment and Procedure | None last 10 years |
| Monitoring and Reporting | 2 last 3 years |
Results are for the whole water system, not water tested at this address; lead at the tap also depends on the building's own pipes. This system sells water to local utilities; the supplier billing this address may be one of them.
Source: FCC Broadband Data Collection, based on 489 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Xfinity Cable | 2,000 / 250 |
| Whip City Fiber Fiber | 1,000 / 1,000 |
| Verizon Fixed Wireless | 300 / 20 |
| T-Mobile Fixed Wireless | 100 / 20 |
| AT&T Fixed Wireless | 100 / 20 |
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